The reality is that 41% of working age adults (20-65) have at least one chronic condition. Another fact is that an individual is more likely to make use of disability insurance than life insurance. Unfortunately, many patients do not take advantage of these two important Federal Laws and allow their chronic condition to progress to the point that it becomes a disability which threatens their livelihood. You can always talk to your human resource department to learn more about these programs and how it relates to your particular company.